Mr. Brian Hanley:

I think it is very welcome. The first thing it does is send a clear message to insurers that public representatives are not going away and are committed to addressing this issue for the next five years. That was an important message to send after the last programme. There were 66 actions in the previous one and at least another 25 or 28 are committed to here. There is a lot of potential in it but the devil will be in the detail for some of the things. There are commitments to review, to consider and so on. The outcome of those considerations will determine whether they will really add value or make any difference.